Psychotherapy session (60 minutes)
Facility: Neosho Memorial Regional Medical Center
Billing Code: 90837 (CPT)
- CPT Billing Code: 90837
- Insurance Median: $182
- Cash Discount Price: $140
- vs. Medicare Baseline: 1.00x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. Medicare
Understanding this gauge: We use the federal Medicare rate of $181.34 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.
Out-of-Pocket Cost Estimator
Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.
Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Tricare | $20 - $95 | 11% |
| United | $54 - $257 | 30% |
| Wppa_Providrscare | $54 - $257 | 30% |
| Coventry | $62 - $294 | 34% |
| Cigna | $62 - $294 | 34% |
| Hpk | $62 - $294 | 34% |
| Ambetter / Centene | $65 - $191 | 36% |
| Aetna | $65 - $182 | 36% |
| Blue Cross Blue Shield | $65 - $182 | 36% |
| Humana | $182 | 100% |
| Medadv_Allwell | $182 | 100% |
| Medadv_Uhc | $182 | 100% |
| Va_Ccn | $182 | 100% |
| Medicare (plans) | $182 | 100% |
Consumer Guidance & Cost Commentary
For this psychotherapy session at Neosho Memorial Regional Medical Center in Chanute, KS, the cash price is $140.00, which is lower than the facility's gross charge of $187.00. While the facility is a Critical Access Hospital with government local ownership, patients should note that commercial insurance negotiated rates often exceed cash prices due to administrative overhead and contract structures. For instance, United, Wppa_Providrscare, Coventry, Cigna, Hpk, and Ambetter / Centene have negotiated ranges starting at $54 and extending up to $294, which is significantly higher than the cash rate. This dynamic suggests that patients with high-deductible plans or those without insurance may save money by paying the cash price directly, provided they confirm the facility accepts their specific plan and can apply any applicable self-pay or prompt-pay discounts before scheduling.
The Medicare benchmark for this service is $181.34, which serves as a reliable baseline for evaluating pricing fairness, as commercial rates are often marked up relative to this federal cost basis. Although the data does not provide specific county or state average comparisons for this code, the facility's cash rate of $140.00 remains below the Medicare amount, indicating a potential opportunity for cost savings compared to the standard government reimbursement level. Consumers should be aware that balance billing is generally prohibited for out-of-network services at in-network facilities under the No Surprises Act, but it is crucial to request an itemized bill to verify that no unbundled codes or services not rendered have inflated the final charge. Always verify your deductible status and ask the billing department about prompt-pay discounts before finalizing payment to ensure